Cathy Wimbley

***** ****** ****** ** ********* Florida 33578

813-***-**** adtkot@r.postjobfree.com

OBJECTIVE

To secure a challenging position in the mortgage industry that utilizes my ability to make effective decisions and will lead to growth and profitability of the organization while offering opportunities for personal growth and advancement.

EXPERIENCE

Brokers Solutions DBA New American Funding

Senior Mortgage Underwriter 10/20 – 11/22

Lending authority to underwrite Conforming Conventional, and Jumbo on loans approved by an automated decision system Fannie Mae, Freddie Mac, and manual underwriting.

Review and Analyze credit documents, including, but not limited to, mortgage applications, credit history, and income documents, title documents, appraisals, and all applicable compliance documents.

Evaluate debt ratio, loan-to-value ratios, credit score, HMDA data, and various other factors.

Update information on processing and underwriting systems to verify, add, delete, or waive conditions.

Radian 08/16 – 10/22

Mortgage Underwriter

Lending authority to underwrite Conforming Conventional, and Jumbo on loans approved by an automated decision system Fannie Mae, Freddie Mac, and manual underwriting.

Review and Analyze credit documents, including, but not limited to, mortgage applications, credit history, and income documents, title documents, appraisals, and all applicable compliance documents.

Evaluate debt ratio, loan-to-value ratios, credit score, HMDA data, and various other factors.

Update information on processing and underwriting systems to verify, add, delete, or waive conditions.

USAA/Strategic Staffing Solutions (S3) 02/15 to 08/16

Contract Mortgage Underwriter

Lending authority to underwrite Conforming Conventional, VA, IRRRL’s and Jumbo on loans approved by an automated decision system Fannie Mae, Freddie Mac, and manual underwriting.

Review and Analyze credit documents, including, but not limited to, mortgage applications, credit history, and income documents, title documents, appraisals, and all applicable compliance documents.

Evaluate debt ratio, loan-to-value ratios, credit score, HMDA data, and various other factors.

Update information on processing and underwriting systems to verify, add, delete, or waive conditions.

Clayton Holdings, LLC 05/14 to 02/15

Mortgage Underwriter

Lending authority to underwrite Conforming Conventional, and Jumbo on loans approved by an automated decision system Fannie Mae, Freddie Mac, and manual underwriting.

Review and Analyze credit documents, including, but not limited to, mortgage applications, credit history, and income documents, title documents, appraisals, and all applicable compliance documents.

Evaluate debt ratio, loan-to-value ratios, credit score, HMDA data, and various other factors.

Update information on processing and underwriting systems to verify, add, delete, or waive conditions.

AmeriNational Community Services 11/13 to 04/14

Contract Mortgage Underwriter

Review and make sound decisions on eligibility for Florida housing “Hardest Hit Florida” (HHF) program.

Communicate with Financial Advisor of eligibility.

Analyzing credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals, and all applicable compliance documents.

Evaluate debt ratio, loan-to-value ratios, credit score

Fifth Third Bank Wholesale Mortgage 1/13 to 10/13

Senior Mortgage Underwriter

Underwrite conventional, Jumbo loans according to Fannie Mae, Freddie Mac, Manual, and Investor guidelines.

Manage expected service levels related to decision and condition clearing.

Update information on processing and underwriting systems to verify, add, delete, or waive conditions.

Review and analyze borrower profiles, assets, tax returns, title reports, credit reports, and income documentation.

Review appraisals to determine the total risk associated with collateral.

Perform second reviews for complex income including tax returns.

Identifies problems and communicates findings to management or appropriate personnel.

Bank of America 1/07 to 12/12

Senior Mortgage Underwriter

Underwrite conventional loans according to Fannie Mae, Freddie Mac, and Investor guidelines.

Underwrite HomeEquity loans to Investor’s guidelines.

Review and analyze borrower profiles, title reports, credit reports, assets income documentation.

Perform second reviews for complex income including tax returns.

Review appraisals to determine the total risk associated with collateral.

SKILLS

Twenty years of combined experience with mortgage lending, origination, processing, underwriting, and service.

Commitment to high-quality results achieved with customer service that builds productive relationships resolves complex issues and gains customer loyalty.

Proficient with automated Desktop Underwriting, DO, Loan Prospector, and Clues applications, Unifi, Nautilus, AWD, AS400, ACAPS, Calyx, Interact, Lexis Nexis, Realquest, Fraud Guard, Genisis, Empower Client Service, empower.net, OBOL, MI online, MS Word, Excel, PowerPoint and Encompass.

Knowledge of RESPA guidelines, and Regulation B requirements, Regulation Z, and loan documents.

Demonstrate leadership skills as a team player by providing superior customer service, being flexible and approachable.

Ability to organize work and meet deadlines.

Strong analytical, decision-making skills, and exceptional customer service skills.

EDUCATION

1983 SCS Business School - New York, NY

Data Entry/Accounting Certificate

1983 Julia Richmond High School - New York, NY

Accounting/College courses – High School Diploma

LANGUAGES

English

Spanish – speak, read and write fluently

REFERENCES

Available upon request

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